PENGARUH FINANCIAL SOCIALIZATION DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL SATISFACTION MELALUI FINANCIAL BEHAVIOR MAHASISWA RANTAU DI PULAU JAWA

NABILA RESIA ISNAINI, . (2025) PENGARUH FINANCIAL SOCIALIZATION DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL SATISFACTION MELALUI FINANCIAL BEHAVIOR MAHASISWA RANTAU DI PULAU JAWA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh financial socialization dan financial attitude terhadap financial satisfaction melalui financial behavior pada mahasiswa rantau di Pulau Jawa. Penelitian dilakukan menggunakan sampel berjumlah 230 responden dengan kriteria mahasiswa aktif berusia 18–25 tahun yang merantau ke Pulau Jawa untuk berkuliah. Teknik pengambilan sampel menggunakan purposive sampling, sementara pengolahan data dilakukan dengan metode Covariance-based Structural Equation Modeling (CB-SEM). Hasil penelitian menunjukkan bahwa financial socialization memiliki pengaruh positif dan signifikan terhadap financial satisfaction. Sebaliknya, financial attitude tidak berpengaruh terhadap financial satisfaction. Financial socialization dan financial attitude berpengaruh positif dan signifikan terhadap financial behavior. Selanjutnya, financial behavior memiliki pengaruh positif dan signifikan terhadap financial satisfaction serta mampu memediasi hubungan antara financial socialization dan financial satisfaction, maupun antara financial attitude dan financial satisfaction. Temuan ini tidak sepenuhnya mendukung Theory of Planned Behavior karena adanya keterbatasan pendapatan responden yang menghambat dampak positif financial attitude terhadap financial satisfaction. Secara praktis, hasil penelitian ini menekankan pentingnya edukasi keuangan yang lebih intensif bagi mahasiswa rantau guna meningkatkan pemahaman dan keterampilan dalam mengelola keuangan. Kata Kunci: Financial Satisfaction, Financial Socialization, Financial Attitude, Financial Behavior ***** This study aims to analyze the influence of financial socialization and financial attitude on financial satisfaction through financial behavior among non-local students in Jawa Island. The research involved a sample of 230 active students aged 18–25 years had migrated to Java Island for their studies. The sampling technique used was purposive sampling and the data were processed using the Covariance-Based Structural Equation Modeling (CB-SEM) method. The results show that financial socialization has a positive and significant effect on financial satisfaction, while financial attitude has no effect on financial satisfaction. Both financial socialization and financial attitude have a positive and significant effect on financial behavior. Furthermore, financial behavior positively and significantly influences financial satisfaction and mediates the relationship between financial socialization and financial satisfaction, as well as between financial attitude and financial satisfaction. These findings do not fully support the Theory of Planned Behavior due to respondents' income limitations, which hinder the positive impact of financial attitude on financial satisfaction. Practically, this study highlights the importance of more intensive financial education for migrant students to enhance their understanding and skills in financial management. Keywords: Financial Satisfaction, Financial Socialization, Financial Attitude, Financial Behavior

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Umi Widyastuti, S.E., M.E. ; 2). Dr. M. Edo Suryawan Siregar, S.E., M.B.A.
Subjects:	Manajemen > Pendidikan, Riset Penelitian Bisnis Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Manajemen
Depositing User:	Users 26936 not found.
Date Deposited:	03 Mar 2025 02:20
Last Modified:	03 Mar 2025 02:20
URI:	http://repository.unj.ac.id/id/eprint/53884

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